Healthcare options for contractors in Birmingham

A healthcare membership built around your next step

SakeOf is a healthcare membership designed to make the process more direct: begin with the kind of care you need, choose how to access it, and get support understanding a bill when the amount or details need a closer look. You can use an everyday-care feature when it fits, choose a provider for in-person services, and ask about advocacy for a medical bill or larger eligible event.

Your selected membership configuration determines which features are active. Each feature provides the benefits associated with it and follows its own rules, such as limits, waiting periods, vendor requirements, and member responsibilities. To get oriented, compare membership options with the calculator and Savings Guide, then use provider search or ask Jordan for help choosing what to review.

Start with everyday care or ongoing support

When you have a routine health question, Zero Copay Telemedicine may offer a convenient first conversation if the feature is selected and active. Virtual Primary Care is a separate optional feature for primary-care needs. Check the active feature details to understand how to access the service and what applies to your situation.

For a prescription need, review the optional Rx and Prescription Benefits feature. Its rules determine which medication or services may be included; having the feature does not by itself establish that every medication, pharmacy charge, lab, or follow-up visit is included. Check the feature details before relying on it for a specific prescription.

Mental Health and Counseling may include immediate problem assessment, supportive counseling, follow-up with the original counselor when available, and crisis support. It may also include referrals to behavioral-health plans or community resources when additional care is needed. Psychiatry, inpatient behavioral health, emergency psychiatric care, and medication costs are not included merely because counseling is active. If you need emergency help, seek an appropriate emergency service.

Choose in-person care in Birmingham

When you need an examination, imaging, lab work, a specialist, or hospital care, you can choose a provider rather than treating one directory listing as your only option. Use SakeOf provider search to explore, then contact the specific location to ask whether it offers the service you need, how appointments work, and what charges to expect. Ask whether professional fees or other services may be billed separately.

UAB Medicine’s Birmingham directory includes hospitals, clinics, and urgent-care sites. UAB Hospital is at 1802 6th Avenue South, and The Kirklin Clinic of UAB Hospital is at 2000 6th Avenue South. The directory can help you identify a location, but each site’s services and appointment process vary; confirm the details with the site before going.

Cooper Green Mercy Health Services lists primary and specialty clinics, urgent care, pharmacy, and radiology at its Birmingham facility, located at 1509 6th Avenue South. Some services have enrollment or financial-assistance requirements. Contact Cooper Green to ask about current eligibility, appointments, and fees, including whether an urgent-care visit has requirements different from other services.

The Jefferson County Department of Health (JCDH) lists clinic locations and services that include family planning, child health, immunization, and sexual health. These are county-level resources, and service availability and appointment requirements vary by clinic. Use the JCDH directory to identify a location and confirm the specific service, eligibility, fees, and availability directly.

Get support reviewing a bill and its price

If a bill is confusing or higher than you expected, SakeOf Full Service advocacy can help with bill verification, fair-price review, and negotiation support. Keep the bill, any estimate, and the details of the care together so the review can focus on what was provided and how it was charged. Ask SakeOf which member commitment and program rules apply to your situation.

For planned hospital care, request an estimate from the facility and ask what it includes, such as professional fees, tests, and related services. UAB Medicine offers a price estimator and standard-charge information; posted charges may not reflect an individual’s final cost, and professional charges may be separate. CMS explains how hospital standard-charge and shoppable-service information can help consumers compare hospital prices. ^www.cms.gov

For larger eligible needs, understand the process

For a larger medical event, SakeOf can help review the bill, check a fair price, and provide negotiation support. A larger eligible event may also be considered for voluntary community funding, subject to the applicable program rules. Whether an event is eligible and what member commitment applies depend on the event and the program. Compare membership options and ask SakeOf to explain the relevant process before making financial assumptions.

If you are planning maternity care, the optional maternity feature has a continuous 12-month waiting period that must be completed before a pregnancy begins for that pregnancy to meet the timing rule. Potentially eligible care may include routine prenatal visits, medically necessary prenatal testing, standard diagnostic ultrasounds, pregnancy-related specialist care, delivery-related facility and professional charges, and routine pregnancy-related postpartum care through six weeks. Adding the feature after conception does not make that pregnancy eligible.

Compare features and take a useful next step

Depending on your needs, optional features may include dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. Review each feature’s active status and terms when comparing options. For PT/OT, the feature specifies medically necessary care from appropriately licensed therapists, a shared 12-visit annual limit and $780 annual maximum, and a $35 feature-specific member responsibility for eligible visits. An order, referral, or plan of care may be required when appropriate.

• Compare options: Use the calculator and Savings Guide to explore membership configurations and their terms.
• Find a provider: Search for care, then confirm services, appointments, and expected charges with the location.
• Clarify a feature: Ask Jordan what to review for telemedicine, ongoing care, prescriptions, or another need.
• Review a bill: Gather the bill and estimate, then ask about Full Service advocacy and the member commitment that applies.